Medicare Maine Part D is like the Part D in all other states. It offers coverage for prescription. People have the option of taking just Part D coverage or Medicare Advantage Plan, which includes drug prescription coverage. Once a person joins Medicare Maine Part D, he has to pay a monthly premium, which can range from a few dollars to more than $100. The premium depends on the benefits that the person avails through the insurance plan.
Taking Medicare Maine Part D
Depending on the type of plan a person takes, he may have to pay an initial deductible. In this, the person would have to pay the entire cost of the prescription drugs initially before the Medicare Part D kicks in. Other plans may not have any deductible, which means that the plan becomes active the moment the person buys it.
In such a plan, the monthly premiums will be higher. Once the person buys the Medicare Maine Part D plan from a private health insurance company, the person pays a certain amount and the insurance company a certain amount for buying the prescription drug.
Prescription Drugs Covered by Medicare Maine Part D
All therapeutic prescription drugs are available under Medicare Maine Part D, but the prescription drugs covered vary based on the plan a person takes.
There are total of six classes of prescription drugs that are covered by Medicare Part D. These include anti-depressants, anti-psychotics, anticonvulsants, anti-retrovirals, anti-cancer and immunosuppressants. However, it is not possible for a single plan to cover all the six categories of drugs. Hence, a person should select a plan based on the drugs he requires and his financial ability to pay the monthly premium.
Check with the insurance provider about the different plans that are available for covering Medicare Part D. Some plans may cover generic drugs, while others may cover just branded prescription drugs.
Prescription Drugs Not Covered by Medicare Maine Part D
There are certain prescription drugs that are not covered by Medicare Maine Part D. These include the following: